10-30-2008 11:27 AM
Has anyone heard of this card? Ive been rebuilding with my secured card through my bank and received that preapproval offer in the mail yesterday. So I guess my fico is looking up. FINALLY! ANyway, just wondering if anyone has this card and their experiences with the co. so far. the bank is Plains Commerce Bank.
10-30-2008 12:10 PM
10-30-2008 04:50 PM
Don't get it. It's not worth it.
I have had this card for 4 years & 3 months. It STILL only has a limit of $350. They refuse to budge. I started at $250.
It charges me a $10 montly participation fee. The interest rate is 19.92%, which they also refuse to lower.
The customer service is terrible. The website isn't great, but at least they don't charge me to make a payment. Which, by the way, I can only do once every 10 days.
This card will definitely NOT grow with you. Take Orchard instead. Much better in my view. I have 2 Orchard cards now. The only reason I still have this card is because I have had it the longest, by almost 2 years over my next 2 oldest cards.
01-20-2009 06:20 PM
I received the Total Visa 04/08, called for a CLI 6 mths L8R in 10/08 ($25 increase to $275), and was told by the rep, that I could call in every 3 mnths for a $25 increase. Are you serious, only $25 every 3 months!!! If it wasn't 1 of the 6 rebuilder cards I started w/ in 4/08 I'd closed. But from what I understand here, I should keep it at least 2 yrs.
Now, here I am 3 mnths after my 1st increase, I just called on Saturday and was told it would take 3 days for a decision. At the most I'd expect another LOWSEY $25!!! That's ok though. After 2 yr mark in 04/10 I'll close. Plus my score simulator says I should expect a score of 730 by then, so we'll see. (At least they would have help get me decent scores).
02-10-2009 09:20 AM
02-10-2009 07:08 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.